中美反洗钱监管比较以及对我国银行业的启示  

Comparison of Anti-money-laundering Regulation between China and the USA and Suggestions on China's Banking

作　　者：薛永明[1] 王鹏飞[1] 

机构地区：[1]中国银行江苏省分行,江苏南京210005

出　　处：《浙江金融》2017年第1期20-24,共5页Zhejiang Finance

摘　　要：美国是目前世界上对反洗钱监管最严厉,开出罚单金额最多的国家。其在反洗钱管理工作上的做法一定程度上代表了国际反洗钱的趋势。本文从反洗钱法律体系、监管架构、监管方式、监管处罚四个维度出发,对比研究美国和我国反洗钱监管模式,并就我国银行业完善反洗钱处罚防控体系,推动银行稳健经营给出自己的思考。Accompanied by the globalization of economy, finance and anti-terrorism, the role of banks on anti-money laundering increases significantly. As the most stringent AML regulation country, the USA issues a max amount of money laundering fines in the history. To some extent, its regulatory practices represent the trend of international AML management.Based on the researches of AML law system, supervision framework, supervision mode, supervision punishment, the paper makes an AML-supervision-paradigm comparison between the USA and China. And the suggestions on how to improve the prevention and control system of AML punishment are presented for China＇s banking in the end.

关 键 词：反洗钱 监管 对比研究 

分 类 号：F830.2[经济管理—金融学]